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Investor market data · Florida

Sarasota, FL Rental Market for Investors

An estimated 36% of Sarasota's active listings could cash-flow as a short-term rental — here's what the numbers say for investors, as of August 2026.

$549,900Median list price2,098 active listings
$49,848Median STR revenue / yrprojected, gross

Homes in Sarasota that pencil right now

A sample of active Sarasota listings whose DSCR clears 1.25 using short-term rental income projections we accept as a direct lender. These are spread across the price range, not ranked, and current as of August 2026.

As of August 2026, we analyzed 2,098 active for-sale homes in Sarasota, Florida. The typical listing is priced at $549,900 and is projected to generate about $49,848 a year as a short-term rental.

After setting aside an estimated 20% for operating costs, an estimated 36.4% of those homes could still cover an investor mortgage payment on short-term-rental income — below the 52.5% median across the 200 major metros we track, ranking Sarasota #152 of 200 for cash-flow potential.

On market momentum: homes in Sarasota sit a median of 95 days on the market, and 20% of active listings came on in just the last 30 days — a slower-moving market, which shapes how much room there is to negotiate.

For a DSCR loan — which qualifies on the property's rental income rather than your personal income — Sarasota runs tighter once operating costs are accounted for: many listings need a below-median price, a stronger short-term-rental setup, or more money down before the income covers the payment. It's a market where running the numbers property-by-property matters.

What actually works in Sarasota

Sarasota works for investors, but the window is specific: 278 of the 1,565 Sarasota homes, condos and townhomes we can price confidently clear a DSCR of 1.25. Nine in ten of them are priced under $449,000.

Share of those listings clearing an DSCR of 1.25, by price and bedroom count. The smaller figure is the median DSCR for that group.
Price1 bed2 bed3 bed4 bed5 bed
$150k–$250k23%0.9853%1.3068%1.63
$250k–$350k21%0.8015%1.0070%1.37
$350k–$500k0%0.764%0.7840%1.1939%1.17
$500k+0%0.650%0.552%0.672%0.673%0.64

Darker means a larger share of that group cash-flows. “—” means fewer than 8 active listings — too few to draw a conclusion from.

Sarasota in full

Active for-sale homes analyzed2,098
Median list price$549,900
Median projected STR revenue (annual, gross)$49,848
Median average daily rate (ADR)$223
Median occupancy62%
Median beds3
Median size1,664 sqft
Estimated cash-flow-positive share36.4%
Median days on market95 days
New listings (last 30 days)19.7% of active

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Run your numbers · Sarasota

Would a Sarasota rental qualify for a DSCR loan?

Pre-filled with Sarasota's median price and projected short-term-rental income — change any field to match a specific property.

Rent source
Advanced
Property tax
%
Scout DSCR Live
1.01
Good · qualifying range
Qualifying rent$3,323
Monthly ITIA$3,299
Loan amount$439,920
30-year DSCR0.94
30-year PITIA$3,541
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Estimates for educational purposes. Final terms subject to credit, property & program approval.

Chad BakerJulian HebronKarina SaldarriagaMark LindenBrittani Cooper5 senior bankers · 47 states
Sarasota data, human context

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